Because life insurance is optional—unlike car insurance and, increasingly, health insurance—it’s often not even a consideration when it comes to budgeting monthly expenses.
However, not including life insurance in your budget can be a costly, even tragic, mistake. And most families probably don’t realize how affordable life insurance can be, depending on which type you choose. There are two basic types of life insurance—term and whole.
Term Life Insurance
With this kind of plan, you decide how long you want your life to be insured. For many families, that might just be until their last child finishes college. Or it could be when you reach retirement age. You can buy a term policy to cover the period between now and that point in the future, be it 10, 15, or 30 years away. Then you figure out how much insurance you need for that period (more on that below), and shop around for the best deal you can get.
Each year (or month), you pay a fixed premium, based on your age, health, and how much insurance you want to buy. If you die during that term—even if it’s the day after you sign the contract—your family will receive the face value of the policy, whether it’s $500,000, $1,000,000, or any other amount that you paid for. If you die the day after the term expires, your family gets nothing.
Term life premiums are surprisingly affordable. In fact, most experts agree that term life insurance is the most sensible option: It offers inexpensive coverage during the time when the loss of a spouse’s or parent’s income would be most destructive.
Whole Life Insurance
Some people, however, choose whole life insurance, which means you’re covered from the day you buy the policy until the day you die. Premiums for whole life insurance are much higher than those for term life insurance, but the money you contribute goes back to your family after your death. You can even use your cash balance for emergencies. For example, you can take out a low-interest loan on the cash value of your account, or you can use the cash value to pay for medical care in the event of a terminal illness. However, if you deplete the cash value of your policy, your family will receive that much less when you die.
Most financial planners say that if you have the extra money required to pay the premiums on a whole life plan, you should use it to invest in a good savings or retirement plan instead.
How Much Insurance Should You Buy?
Figuring out how much term life insurance to buy is fairly straightforward. In fact, there are many term life insurance calculators available online. In a nutshell, however, the amount you buy should be able to at least replace the amount of money you contribute each year to your household.
If you earn $50,000 a year, you’ll want to buy at least $500,000 worth of life insurance: $750,000 or $1,000,000 would be an even better number, especially if you’re younger and would expect to earn raises over time.
Accidental Death and Dismemberment (AD&D) Insurance
This is a special type of insurance you can think of as an add-on to life insurance. This type of policy only covers accidental death (or the loss of limbs). Overall, the chance of accidental death is very low—only 5 percent of deaths result from accidents. If you have to choose between a cheap AD&D policy and a slightly more expensive term life policy, you’re much better off with the term life. It’s worth buying AD&D insurance if you work in a dangerous job (and aren’t covered for it by your employer).
The Best Microscope For Kids: Top 8
The best microscope for kids is definitely one that includes both activities and materials necessary to really understand how it works. This includes slides, lenses, and an instruction manual. This will assist them in exploring the world with hours of fun and entertainment. Also, this ensures they know how to properly use it. Listed below are the top 8 microscopes for kids.
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Top 8 Best Microscopes for Kids
1. Educational Insights GeoSafari Jr. Talking Kids Microscope
We have Educational Insights GeoSafari Jr. Talking Kids Microscope as one of the best beginner microscopes for kids. This microscope has dual eyepiece lenses and a single large objective lens. This allows magnification of up to 40X. In this microscope, you can use more than just during experiments. Since. it’s more durable and includes a protective dust cover.
The best thing about this best microscope for kids is that it comes with real samples of human hair, cotton fibers, salt crystals, and leaf specimens. So, your young scientist will learn the different characteristics of each material through an engaging activity book. This also contains 10 coloring pages!
In case you don’t know this brand yet, Educational Insights is one of the leading manufacturers of the best microscope for kids and the best microscope for science fair projects.
2. Boley My First Microscope Kit
The best microscope with slides that offers cool features is the Boley My First Microscope Kit. This best microscope for kids includes 5 prepared slides, 2 eyepieces, and a large specimen stage. The best thing about it is that you can use it in 3 different modes: projector, lamp or inverted.
Besides being so versatile this best educational microscope kit also offers an easy-to-follow instruction manual which will both help your child learn how to use it step by step and discover new things on his/her own!
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3. My First Lab’s Mini Microscope for Kids
You might also like My First Lab’s Mini Microscope for Kids. This best educational microscope comes in stylish colors and offers 4x magnification. The best thing about it is that it has a built-in light. This provides better visibility when working with specimens. It is good for little scientists ages 5 to 7 years old.
It can be used both manually and on a stand. However, you need to make sure your kid won’t drop it because the top is not made of unbreakable material! To make it the best microscope for science fair projects, this best microscope for kids should be paired with the best science fair project ideas you can find here.
4. Artenjoyfine Science Microscope Kit
Another best microscope for young scientists is the Artenjoyfine Science Microscope Kit. It has 100X-1200X magnification that is good for different specimens. This best educational microscope comes with 40+ pieces which are neatly packed into a best educational microscope kit. Also, it includes everything your kid will need to take great microscopy pictures.
You’ll be able to use this best kids’ microscope both in 2D and 3D modes. Also, this comes with extra accessories like lens pen cleaner. This makes it one of the best science project ideas. It’s recommended by us not only because can be used as the best school project but offers top-notch features that even adult scientists would love!
5. YONGSHUO Microscope for Kids
If you want the best microscope for your kids, the YONGSHUO Microscope for kids is highly recommended. It is made of high-quality materials and provides 4 magnification levels from 40X to 1200X. This best microscope for kids comes with prepared slides of onion epidermis tissue so your kid learns about tissues through an engaging activity book! Of course, these microscopes come in a protective case which makes them perfect for school projects. You also get 2 eyepieces, 4 blank slides, and slide labels.
6. BEBANG 100X-2000X Microscopes
Another best science microscope we want to recommend is the BEBANG 100X-2000X Microscopes. These best research microscopes for kids come with the best manual that helps your kid learn a lot. It includes school projects about tissues through an engaging activity book! Of course, it comes in a protective case which makes it perfect for best school projects.
Also, the best children’s microscope also provides 4 magnification levels from 100X to 2000X. It’s the best microscope set that will help your child explore cells, insects, and other specimens under 400x magnification. You get 2 eyepieces, 4 blank slides, a tripod, and a led flashlight.
7. Generics Kids Microscope
The Generics Kids Microscope has a magnification of 40X-400X. Having this best educational microscope set, your kid can learn how to manipulate the focus and fine-tune their observation skills. This great kit comes with 2 eyepieces, 4 prepared slides, a set of labels, and covers. This is one of the top educational microscope toys for kids.
It also has a built-in stand where you can keep everything safe until next time. And if it breaks, don’t worry! Because the parts are inexpensive which makes it is great for science fair projects.
8. EMARTH Microscope for Kids
The EMARTH Microscope for Kids is one of the most effective microscopes available on the market right now. It consists of a fantastic activity book that allows your youngster to examine cells, insects, and other objects at 400x magnification while also learning about science. There are two eyepieces, four prepared slides, a set of labels, and covers included in the kit. This is one of the most popular educational toys available.
It also features a built-in stand, which allows you to store everything safely until the next time you use it. And don’t be concerned if it breaks! Because the components are inexpensive, it is a perfect choice for top school projects of all kinds.
In conclusion, if you are looking for a good quality microscope set from a reputable brand, look no further! Listed above are the best microscope for kids. The selections will give your child a fantastic learning experience while they explore objects under magnification lenses.
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The Best Laptop For Computer Science Students: Top 10
The best laptop for a computer science student needs to be fast, lightweight, and handle all the things software engineers need without much lag or slowdown. It should also have enough RAM because no one wants to edit code on a 10-year-old single-core laptop.
The categorization of the finest laptop for computer science students is a difficult one to make. There are many great laptops that can be used by any student, but best may have a different meaning depending on the needs of an individual student.
In this post, we’ll go through the various greatest laptops for students in several categories and why they’re the best choices for computer science students.
Best Laptop For Computer Science Students
1. Lenovo IdeaPad Y700
Although there are many good laptops under $500, the Lenovo IdeaPad Y700 15 Inch is the best laptop for computer science students.
It has the fastest Intel i7 processor, 32 GB RAM, and the best NVIDIA GTX 960M graphics card in its class. This laptop can render 3D models in Adobe Creative Suite. It also has a 1 TB hard drive for data storage and the best Windows 10 OS for performance.
Asus Chromebook is the best choice among the best laptops under 500 due to its, Intel Core M Processor, all-day battery life, full HD touchscreen display, and 12 hours of battery life.
If you are looking for the best lightweight laptop, the Lenovo ThinkPad is one of the best laptops that weighs in at just 2.49 lbs with a 14″ screen size, the best performance, and the best build quality that you usually don’t expect in this price range.
Spectre x360 best convertible laptop with a 13.3-inch QHD touchscreen display, the best Intel i7 processor, and the best all-day battery life. For students who like to edit videos or render 3D models, the best laptop for CS students should be the best 2-in-1 laptop.
Another best lightweight laptop that weighs just 4.55 lbs. with a 15.6″ screen size, the best Intel i7 processor, and the best all-day battery life. If you are looking for the best cheap laptop under $200, this best-of-breed 2 in 1 laptop with the best touchscreen display is your perfect choice.
The ASUS VivoBook 15 is a cheap laptop that has the new AMD Ryzen 7 processor, which makes it a good choice for college students. The processors are faster and more efficient than in the past, which means they can be packed into smaller spaces without overheating or slowing down.
Among other things, it has the AMD Radeon graphics card, which has its own video memory (GDDR) and doesn’t use a lot of power. It’s good for college students.
It is a good choice for computer science majors who want to work in other fields than programming and coding.
The Dell 9310 XPS lets computer science students get a taste of what it’s like to be one of the next big thinkers.
In addition, it is lightweight, weighing only two pounds, so students can take it with them without having to give up too much convenience.
Thoughtful design can be seen in everything from the forged aluminum keyboards and edge-to-edge glass to the exquisite ultrathin profiles that make up an impressively conceived small system. This laptop is for people who have been chosen to go even further than they have already gone.
8. Lenovo Yoga 6 Laptop (2022)
As a student, you are always looking for ways to improve your skills and learn new things in order to be successful.
There may seem to be a lot of standard laptops out there. On the other hand, true power comes from careful design, wide viewing angles, and low-reflective screen technology. This lets us absorb information instead of having it wash over our eyes and fade into the background.
They can stay connected to their work and studies for a long time without getting tired. The new devices are very portable, which is important if you spend most of your time moving around in college.
4.1GHz AMD Ryzen 4700U Processor in the Lenovo Yoga 6 Laptop. This allows you to open apps or web pages faster, saving you up to 20 minutes per day.
That means you can play the latest games in full HD without lag or needing to buy expensive upgrades.
Laptops should be small and light so that they can be easily moved between classes or workplaces. With a weight of fewer than three pounds, the HP is very easy to move around, but it still has a lot of power.
The HP Envy x360 Flagship is the best laptop for anyone who wants to study computer science! It has two USB ports, a Thunderbolt port with a Type-C connector that can deliver both power and data, and a backlit keyboard. It’s great for connecting to an external screen.
A new quad-core processor from Intel called the i7-1165G7 is in this computer. It has a base clock speed of 2.8GHz, a 12MB SmartCache, and eight threads. It can be overclocked to 4.7 GHz if needed, so it can do things like data analysis and graphics rendering without a hitch.
The MacBook Pro can do a lot more than show the time. It is the only laptop that can solve algorithmic problems while you watch new Netflix episodes.
It also has a 2TB SSD drive and two graphics processors: an AMD Radeon Pro 560 with 4GB GDDR5 VRAM and an Intel HD Graphics 630.
In addition, the MacBook Pro is one of the most durable laptops on this list. It can withstand accidental drops and spills, so you can keep working without having to worry about the laptop’s safety.
It was made for people who value their computers a lot. This laptop has the best graphics card in its class.
Technology is constantly changing, making it hard to define the best laptop for computer science students. Every student is different, with individual needs that may require specific laptops over others.
Take into consideration your major and see which technology best fits your needs before buying a new laptop. Don’t be afraid to look at old models, either! If you consider your own requirements and budget carefully, you should be able to choose the best laptop out there.
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